Debt Payoff Tracker – Snowball vs. Avalanche Debt-Free Planner

Debt payoff tracker for couples: pay off debt together — without the money fights. Debt-Free Together: The Couples Debt Payoff Kit puts his debt, her debt and your joint debt on ONE plan, splits the payments in a way you both call fair, and shows you the month you'll be debt-free.

Most debt trackers are made for one person. Couples have different questions: Whose debt is it? Who pays what when we earn different amounts? Snowball or Avalanche? How do we talk about money without it turning into a fight?

This kit answers all of them with four simple steps that spell T.E.A.M.:

T — Talk it out (5 No-Blame Rules + your first money talk)

E — Expose every debt (his, hers and ours on one honest list)

A — Agree on the plan (a Fair Share split + Snowball or Avalanche)

M — Make it automatic (autopay + a 30-minute money date each month)

★ WHAT'S INCLUDED (5 FILES)

1. Couples Guide (37-page PDF) — the T.E.A.M. Method step by step, 4 example couples, 5 build-alongs, moneytalk scripts, a 30-day kickoff plan, a debt-relief scam checklist, a quiz and a 24-term glossary.

2. Couples Debt Payoff Workbook (Excel + Google Sheets, 15 tabs) — enter up to 20 debts tagged His / Hers / Joint. It compares Snowball vs Avalanche on your real numbers, picks your payoff order, shows the month each debt is gone and your debt-free date. Also: Our Budget, Fair Share split (proportional, 50/50 or custom), Payment Log, Money Dates, Milestones & rewards, Windfalls and a Dashboard.

3. Fillable Worksheets (14-page PDF with 12 worksheets) — Our Money Stories, Full-Disclosure List, Ground Rules, Fair Share, Snowball or Avalanche?, Spending Agreement, W.I.N.S. Money Date, Color-In Payoff Tracker, Debt-Free Promise and more. Type on screen or print.

4. Debt-Free Together Planner (HTML file) — opens in any web browser and works offline on your computer, tablet or Android phone: Our Debts, Our Plan (Snowball vs Avalanche), Fair Share, Boost (what an extra $ a month does) and a Money Date timer.

5. Quick-Start Guide (4-page PDF) — how to open every file and your first 60-minute money date.

★ AFTER THIS KIT YOU'LL BE ABLE TO

✓ See every debt you both owe on one honest list — no hidden cards, no blame

✓ Split payments fairly, even with very different incomes

✓ Choose Snowball or Avalanche in one minute with the $300 rule

✓ Know your real debt-free date — and the month each debt disappears

✓ Talk about money in a calm 30-minute money date once a month

✓ Celebrate every payoff together with planned, low-cost rewards

★ WHO IT'S FOR

• Engaged couples combining money for the first time

• Newlyweds with his, hers and joint debt

• Couples with different incomes who want a split that feels fair

• Blended families and couples starting over

• Any couple tired of money fights who wants one shared plan Made for U.S. households (credit cards, student loans, car loans, medical bills, personal loans, BNPL and more). Amounts are in U.S. dollars.

★ WORKS WITH

Microsoft Excel, Google Sheets (free — share it so you can both edit), Adobe Acrobat Reader (free) or any PDF app, GoodNotes and Notability, and any web browser (Chrome, Safari, Edge). Mac, PC, iPad, iPhone and Android.

★ HOW IT WORKS

1. Buy and download your 5 files instantly

2. Open the Quick-Start Guide together.

3. Fill in the Our Setup and Our Debts tabs, pick your method, and put your first money date on the calendar.

★ PLEASE NOTE

• This is a digital download. No physical item will be shipped.

• Educational content only — not financial, credit or legal advice. Stackwise is not a credit counselor or debt-relief company. Payoff dates assume fixed rates, on-time payments and no new debt.

• For your household's personal use only. Please don't share or resell the files.

• Because this is a digital product, all sales are final. Having trouble opening a file? Send me a message — I'm happy to help.

Stack money. Be wise. — Stackwise